About the job

Job Summary

• Review and approve retail loan applications (HL, AL, CC and PL) credit files
• Review and Approve Business Banking credit applications
• Ensure that credit origination decisions are executed in line with the delegated authority while adhering to the process standards defined 
• Achieve turnaround time as per agreed target with business. Consistently work to shorten/improve turnaround time of credit applications
• Optimise operating efficiency while balancing the effectiveness of decision making within the Retail Risk Operations function.
• Challenge poor process. Apply best practices and learning from across the Bank and outside
• Adherence to laws and regulations, internal risk and compliance policies and the Group Code of Conduct.
• Proactive identification of risks and concerns, including escalation to all relevant stakeholders
• Effectively and collaboratively identify, escalate, mitigate and resolve risk and compliance matters.
• Lead verification function within the Lending and Risk Operations and continuously strive to identify/strengthen the process/procedure

Key Responsibilities

Strategy

• Support the Business growth aspiration through accurately/timely execution of Responsibilities. Ensure awareness and understanding of the Group’s business strategy and model appropriate to the role. 

Business

• Ensure awareness and understanding of the wider business, economic and market environment in which the Group operates. 

Processes

• Credit policies standard and Risk management framework
• Retail Banking Fraud Process standards
• Credit Initiation standards
• Other applicable group and regulatory processes

People & Talent

• Lead through example and build the appropriate culture and values. 
• Work in collaboration with risk and control partners.
• Ensure the provision of ongoing training and development.

Risk Management

• Responsibilities relating to identifying, assessing, monitoring, controlling, and mitigating risks to the Group/local regulator, as well as an awareness and understanding of the main risks facing the Group/local regularity and the role the individual plays in managing them. 

Governance

• To ensure satisfactory audit rating from Group Audit/Statutory Audit /QA team
• CST compliance.

Regulatory & Business Conduct

• Display standard conduct and live by the Group’s Values and Code of Conduct. 
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and 
• business conduct, across Standard Chartered Bank. 
• Understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters.
• Exercise authorities delegated and act in accordance with banks policy.

Key stakeholders

• Personal Banking Nepal (Including Employee Banking) Team 
• Priority Banking Nepal Team
• MSME/Business Banking Team
• Lending Operations Team
• External and Internal audit teams
• Regulators

Other Responsibilities

• Embed Here for good and Group’s brand and values in; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Our Ideal Candidate

• Masters Degree in Accounting, Finance or Chartered Accountant

Role Specific Technical Competencies

• MS Office applications
• MS Windows
• Credit Risk Management

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together We

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What We Offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.